USDA Loan Vs. FHA loan for San-Luis, AZ [Yuma County ]

In 2026, the USDA loan ceiling for San-Luis, Yuma, AZ is $285,000, while the FHA limit for a single-family house is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates today and figure out the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

USDA and FHA Loan Paths in San-Luis, AZ

Lendersa® is committed to securing the best USDA or FHA loans rapidly without hassle. Begin with one of three methods that lead to matching lenders and USDA loan programs.

Understanding USDA Loans in AZ

A USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan, is meant for rural neighborhoods. Unlike FHA loans, which demand at least a 3.5% down payment, USDA loans require none.

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San-Luis Lenders
(928) 783-3334 Lender's profile and map 1st Bank Yuma 2799 South 4th Avenue, Yuma, AZ, 85364 Lends in Arizona 1st Bank Yuma shall become the premier full service community bank throughout Yuma County. We have adopted an aggressive growth strategy while remaining committed to maintaining the highest quality of individualized personal service in the financial services industry, for our customers.
(928) 782-6900 Lender's profile and map SonAriz Financial 148 W 32nd Street, Yuma, AZ, 85364 Lends in Arizona SonAriz Financial® is a consumer lender that offers personal loans and auto title loans. We were established in 2004 to assist our community keeping in mind their financial needs. Our business is the definition of Family Owned and Operated. We treat our customers like family. In order to better serve our customers
(928) 783-8881 Lender's profile and map AEA Federal Credit Union 1780 S. 1st Avenue, Yuma, AZ, 85364 Lends in Arizona AEA Federal Credit Union is a not-for-profit financial cooperative dedicated to people helping people. Membership at AEA Federal Credit Union means becoming part of a credit union family of more than 33,000 members. For over 79 years, the credit union has served residents of Yuma and La Paz counties in Arizona.
(800) 288-8244 Lender's profile and map Foothills Bank 11689 S. Foothills Blvd, Yuma, AZ, 85367 Lends in Arizona Foothills Bank is based on the same sense of community, friendly and down-to-earth attitude that makes this part of America special We're proud to have fifteen locations: two in Yuma, two in Prescott, two in Kingman, two in Lake Havasu, and one in Casa Grande, Prescott Valley, Tucson, Flagstaff, Bullhead City, Cottonwood, and Phoenix.